[PeterG]

May I add one more thing from WN on this matter:

"The Bible tells us of a very serious truth. Although someone may have eternal life, he may still be rejected from the kingdom of the heavens. One verse that speaks of this is Matthew 7:21: “Not every one who says to Me, Lord, Lord, will enter into the kingdom of the heavens, but he who does the will of My Father who is in the heavens.” The persons in this verse all address the Lord as “Lord.” The Lord will make a distinction between those disciples who can enter into the kingdom of the heavens and those who cannot. The Lord clearly shows us here that the condition for entering the kingdom of the heavens is doing the will of God. Although some have been saved and have called Him Lord, and although they have also done some works, without doing the will of God they nevertheless cannot enter into the kingdom of the heavens. The reward of the kingdom of the heavens is based on the obedience of man. If one is not faithful while living on the earth, though he will not lose eternal life, he will lose the kingdom of the heavens. When the time comes for the heavens to rule, that is, when the Lord Jesus comes the second time, some will not be able to enter the kingdom, but will lose it instead."
(WN, Special Grace and Reserve Grace, 1950)